bills, bye-bye, 401(k), not only does the stock market tank, but interest rates, which are the only good thing in the economy right now, the only point of flexibility in the economy that is limping along, interest rates which are near zero now, if we default, want to know what happens to them? you take a direct hit on your mortgage, on your credit card bills, on your car loan, on your student loans, on your home equity loan, on any loan you've got. this will have a personal affect on you. as tough as it gets to you for an individual human, it gets tough in all the same ways for businesses, particularly in small businesses too. you're not going to be able to get loans, same things for businesses. as we'll all throw our hands in the air and scream as we watch indicators like this again, the whole u.s. economy will grind to a halt alongside the government. that's what we are coming up on now. and with that bearing down on us now, the debt ceiling has to be raised now. we don't have until august 2.